2409 Stone Rd, Westminster, MD 21158 Property Records

Carroll County property record for 2409 Stone Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,776 sqft · built 1989
Lot Size	1.66 acres (72,310 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jul 2021)
Tax Bill	$4,259 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-001217`

Property Details

APN / Parcel Number

Primary APN	`02-001217`
Alternative APNs	`2001217` `001217`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,776 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	72,310 sqft (1.66 acres)
Deck Area	416 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001217
Street Address	2409 STONE RD
City	WESTMINSTER
State	MD
Zip	21158-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 1.66 ACS 2409 STONE RD NW/S ROBERT ARTHUR RD
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	2
Census Block	2003
Census Tract	502000

Owner

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2409 STONE RD, WESTMINSTER, MD 21158-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	Oct 3, 1989 · Amount on Record
Deed Book / Page	10356 / 286
Transfer Doc	0024300268
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 6, 2021
Property Address	2409 STONE RD, WESTMINSTER, MD 21158-1823
Document Number	0103560286
Book / Page	10356 / 286
Instrument Date	Jun 24, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2409 STONE RD, WESTMINSTER, MD 21158-1823

Mortgage

Document Number	0010356294
Date	Jul 6, 2021
Instrument	10356/294

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,259.00 (+11.26%)	$375,000 (+11.45%) Land $131,600 Building $243,400	$375,000 (-) Land $131,600 Building $243,400
2025	$3,828.00 (+30.6%)	$336,467 (+29.71%)	$375,000 (+44.56%) Land $131,600 Building $243,400
2023	$2,931.00	$259,400 Land $131,600 Building $127,800	$259,400 Land $131,600 Building $127,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20